Personal Retirement Annuity A Top Variable Annuity
Fidelity Personal Retirement Annuity A Top Variable Annuity Fidelity Please enter a valid email address Please enter a valid email address Important legal information about the email you will be sending. By using this service, you agree to input your real email address and only send it to people you know. It is a violation of law in some jurisdictions to falsely identify yourself in an email. All information you provide will be used by Fidelity solely for the purpose of sending the email on your behalf. The subject line of the email you send will be "Fidelity.com: " Your email has been sent.
Questions about an existing annuity?
0.10% for contracts purchased with an initial investment of $1 million or more (or which have accumulated $1 million or more)7
Fund fees also apply.
Read additional highlights of the FPRA.
Review a distribution option for non-spousal beneficiaries.
existing annuity? 800-634-9361 Before investing, consider the investment objectives, risks, charges, and expenses of the annuity and its investment options. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully. Investing in a variable annuity involves risk of loss - investment returns and contract value are not guaranteed and will fluctuate. 1. Barron's compiled a list of 100 of the most competitive contracts across different types of annuities as of July 23, 2022. In selecting contracts for its Traditional Variable Annuity category, Barron's placed an emphasis on low costs, lack of surrender charges, and simplicity. 2. Fidelity Personal Retirement Annuity (Policy Form No. DVA-2005, et al.) is issued by Fidelity Investments Life Insurance Company and, for New York residents, Personal Retirement Annuity (Policy Form No. EDVA-2005, et al.) is issued by Empire Fidelity Investments Life Insurance Company, New York, N.Y. Fidelity Brokerage Services, Member NYSE, SIPC, and Fidelity Insurance Agency, Inc., are the distributors. 3. Withdrawals of taxable amounts from an annuity are subject to ordinary income tax, and, if taken before age 59½, may be subject to a 10% IRS penalty. 4. According to 12/31/21 data on non-group open variable annuities from Morningstar, Inc., at 0.25% Fidelity Personal Retirement Annuity's annual annuity charge is significantly lower than the national industry average 1.04% annual annuity charge. Underlying fund fees also apply. 5. Diversification does not ensure a profit or guarantee against loss. 6. Morningstar ratings are based on a fund's risk-adjusted returns. The top 10% of funds in each broad asset class receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. Past performance is no guarantee of future results. 7. Clients are eligible for an annual fee of 0.10% if (1) the contract is purchased with an initial purchase payment of $1,000,000 or more on or after September 7, 2010, or (2) the contract value has accumulated to $1,000,000 or more on or after September 7, 2010 and at that time we are offering the contract to new applicants for 0.10%. See prospectus for additional details. Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation. Fidelity insurance products are issued by Fidelity Investments Life Insurance Company (FILI), 900 Salem Street, Smithfield, RI 02917, and, in New York, by Empire Fidelity Investments Life Insurance Company, New York, N.Y. FILI is licensed in all states except New York. Other insurance products available at Fidelity are issued by third-party insurance companies, which are not affiliated with any Fidelity Investments company. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company. Fidelity Brokerage Services LLC, Member NYSE, , 900 Salem Street, Smithfield, RI 02917 441956.40.0
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Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
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Mutual Funds and Mutual Fund Investing - Fidelity Investments
Clicking a link will open a new window.h1 Fidelity Personal Retirement Annuity
Recognized as a Top Traditional Annuity by Barron's,1 our Fidelity Personal Retirement Annuity 2 (FPRA) is a low-cost deferred variable annuity that allows you to increase your tax-deferred retirement savings beyond the contribution limits of an IRA or 401(k).h2 Get in touch
Open an annuity800-544-3274
Questions about an existing annuity?
800-634-9361
GoTax management
Pay no taxes on any earnings until funds are withdrawn3 or you receive an income payment. Trade and rebalance without tax consequences.Low cost
Annual annuity fees are among the lowest in the industry.4Investment choice
With over 55 funds, the potential to grow retirement assets faster than comparable taxable investments.Annuity details
Investment options Customize your investment approach based on how much you'd like to be involved and your financial goals. A might be a fit if you don't want to actively manage your portfolio and prefer to choose one single fund where Fidelity provides automatic diversification5 and professional money management. A might be a fit if you want to manage your own investments. You'll be able to utilize our powerful research tools to choose from more than 55 Fidelity and non-Fidelity funds, many rated 4 or 5 stars by Morningstar.6 A might be a fit if you are interested in managing your own investments while focusing on 11 funds that each represent a specific segment of the economy. Annual fees 0.25% for contracts purchased with an initial investment of less than $1 million (or which have not yet accumulated $1 million)0.10% for contracts purchased with an initial investment of $1 million or more (or which have accumulated $1 million or more)7
Fund fees also apply.
Minimum investment
$10,000FPRA research
Consider bringing your annuity to Fidelity
If you own an annuity outside Fidelity, a tax-free exchange to a Fidelity Personal Retirement Annuity may help you accumulate more for retirement with lower fees and our professionally managed investment solutions.More information
Read additional highlights of the FPRA.
Review a distribution option for non-spousal beneficiaries.
Learn more
These articles and videos explain some of the investment and retirement challenges that annuities may help you meet. Learn more about how an FPRA may help you maximize the amount you save through tax-efficient investing. See how you can create a plan to help you defer, manage, and reduce taxes. h2 Get in touch Contact us to get help and answers. Open an annuity 800-544-3274 Questions about anexisting annuity? 800-634-9361 Before investing, consider the investment objectives, risks, charges, and expenses of the annuity and its investment options. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully. Investing in a variable annuity involves risk of loss - investment returns and contract value are not guaranteed and will fluctuate. 1. Barron's compiled a list of 100 of the most competitive contracts across different types of annuities as of July 23, 2022. In selecting contracts for its Traditional Variable Annuity category, Barron's placed an emphasis on low costs, lack of surrender charges, and simplicity. 2. Fidelity Personal Retirement Annuity (Policy Form No. DVA-2005, et al.) is issued by Fidelity Investments Life Insurance Company and, for New York residents, Personal Retirement Annuity (Policy Form No. EDVA-2005, et al.) is issued by Empire Fidelity Investments Life Insurance Company, New York, N.Y. Fidelity Brokerage Services, Member NYSE, SIPC, and Fidelity Insurance Agency, Inc., are the distributors. 3. Withdrawals of taxable amounts from an annuity are subject to ordinary income tax, and, if taken before age 59½, may be subject to a 10% IRS penalty. 4. According to 12/31/21 data on non-group open variable annuities from Morningstar, Inc., at 0.25% Fidelity Personal Retirement Annuity's annual annuity charge is significantly lower than the national industry average 1.04% annual annuity charge. Underlying fund fees also apply. 5. Diversification does not ensure a profit or guarantee against loss. 6. Morningstar ratings are based on a fund's risk-adjusted returns. The top 10% of funds in each broad asset class receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. Past performance is no guarantee of future results. 7. Clients are eligible for an annual fee of 0.10% if (1) the contract is purchased with an initial purchase payment of $1,000,000 or more on or after September 7, 2010, or (2) the contract value has accumulated to $1,000,000 or more on or after September 7, 2010 and at that time we are offering the contract to new applicants for 0.10%. See prospectus for additional details. Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation. Fidelity insurance products are issued by Fidelity Investments Life Insurance Company (FILI), 900 Salem Street, Smithfield, RI 02917, and, in New York, by Empire Fidelity Investments Life Insurance Company, New York, N.Y. FILI is licensed in all states except New York. Other insurance products available at Fidelity are issued by third-party insurance companies, which are not affiliated with any Fidelity Investments company. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company. Fidelity Brokerage Services LLC, Member NYSE, , 900 Salem Street, Smithfield, RI 02917 441956.40.0
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Call 800-345-1388
Have us contact you Important Information Virtual Assistant is Fidelity’s automated natural language search engine to help you find information on the Fidelity.com site. As with any search engine, we ask that you not input personal or account information. Information that you input is not stored or reviewed for any purpose other than to provide search results. Responses provided by the virtual assistant are to help you navigate Fidelity.com and, as with any Internet search engine, you should review the results carefully. Fidelity does not guarantee accuracy of results or suitability of information provided. Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
796549.1.0